When we sign up for a transaction banking account, generally people do it in Canada where their parents banked or close to where they live or work. I worked for a bank at one time, I do confess. We're not given any choice of service providers. We get our little debit card with a little Interac signal on it.
When you're seeing this around the world, are consumers given a choice of systems? How does that competitive system work? Does the bank say that you have to use X provider?